I have a lot of civilian contractor clients working in the Middle East and African war zones and one that just renewed their life insurance coverage another year ran into an all too frequent problem, working in a location devoid of printers or scanners, or in his case ink. All he needed to do to […]

I get it that this is a free country and the majority rules democratically and all that, but when a selfish, uninformed majority (barely) legalizes recreational use of pot, well, it’s like stupid on steroids. Someone very close to me is addicted to drugs so if I get a little poignant with my opinion, forgive […]

With the economy doing a little better private pilots, aviation instructors and commercial pilots are checking their life insurance and getting back off the ground. When a gallon of fuel was worth almost as much as the aircraft especially the private pilots and instructors hours were way down. The one area where I didn’t see […]

I know that far too many civilian contractors in war zones ended up there, whether Iraq or Afghanistan of Libya, without time or adequate planning to put the life insurance they might need in force. I can see myself rushing to get all the t’s crossed and i’s dotted and ending up at some forward […]

Remember the “dress for success” thing that started back in the 70’s? I think it was probably a reaction to the way most people my age decided to dress in the 60’s. It never really worked for me. Every time I dressed for success, even if I got the job I didn’t like it. I […]

This is one of those subjects that I write about all the time and pray about every day. It involves an area of my business that I don’t make much money in, but it is an area that I care about as much as, if not ore the rest. I want everyone to have life […]

Let’s step away from life insurance for a day and address an inherent problem in disability income insurance. Disability income insurance is there to theoretically replace earned income in the event that a person is disabled by injury or illness. Companies normally cap their benefit at 65% of a person’s annual gross earned income, up […]

Among the seemingly unending insults that our men and women in uniform, along with low pay, terrible hours and risk that is above any other job, is the fact that they can’t buy personal life insurance if they are headed into harms way from virtually all life insurance companies, but one. One of the top […]

If you’ve entertained looking into high paying work in Iraq and Afghanistan, you’re not alone with the job situation here. The lure of a year or two of work to get back on financially stable ground is tempting. But “job” comes with an asterisk in places where folks are hurting each other and the truth […]

Let’s start with the good news. If you have life insurance in force and you took up your hazardous activity after putting that life insurance policy in force, and didn’t apply for the insurance because you were anticipating taking up the dangerous hobby, well, you’re covered. A scare tactic sales technique that less than scrupulous […]

We Really DO Come Through for our Clients.

“I would gladly recommend Ed Hinerman to businessmen anywhere. When my New York Life agent told me that my 80 year old business partner couldn’t get life insurance, Ed not only got it for us, but at preferred rates. It was key to our buy/sell agreement and when he passed away last year I was able to buy his share of the company from his family with the life insurance proceeds. Thanks for going the extra mile.”